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Flood insurance cost · ZIP 33009 · FL

Flood insurance cost in ZIP 33009 (Hallandale Beach, FL)

What homeowners with a National Flood Insurance Program policy actually pay, from FEMA's records of 1,754 home policies in force on August 31, 2026.

ZIP code 33009 (Hallandale Beach, FL)Policies in force on Aug 31, 2026

Median annual cost of NFIP flood insurance for a home

$880a year

Half of insured homes paid between $658 and $1,124. That is 4% more than the Broward County median ($848). Most insured homes here are rated in zone AE (86%).

$0$658 · $880 · $1,124$1,405
+7.7% vs Aug 31, 2025 (median $817)
1,754home policies in force
$915average cost (mean)
95%of insured homes in high-risk zones (A, V)
$250,000median building coverage

This is what policyholders paid, not a quote. Two neighbors can pay very different prices: NFIP prices depend on the building (elevation, foundation, number of floors, replacement cost), the coverage and deductible chosen and the distance to water (FEMA FloodSmart: premium factors). For a price for your building, ask an insurance agent. Private flood insurance is not included in these figures.

Cost by flood zone in ZIP code 33009

The flood zone on FEMA's map is one of the main price factors. Median and middle half of what insured homes paid, by the zone used to rate the policy.

Flood zoneMedianMiddle half (25th–75th percentile)AveragePoliciesvs last year
Zone AE
High risk		$922$687–$1,151$9411,514 (86%)+7.7%
Zone AH
High risk, shallow		$688$583–$802$709149 (8%)±0.0%
Zone X
Moderate to low risk		$760$612–$948$84081 (5%)+1.7%

Not shown (fewer than 10 home policies): VE, A, AO, A99/AR, D. Shares are of all insured homes; a few policies have no rated zone. "vs last year" compares medians with policies in force a year earlier.

Cost by type of building

All NFIP policies in force in ZIP code 33009, by what they insure.

Type of buildingPoliciesMedianAverage
Single-family home1,079$956$1,005
2–4 unit building245$983$1,023
Manufactured (mobile) home11$830$875
Condo or apartment unit419$564$621
Whole residential building (5+ units or condo association)
One policy covers the whole building, so the cost is much higher than for a single home.		236$5,687$12,277
Non-residential building or unit
Businesses, churches, farm buildings and other non-residential property.		289$2,000$2,288
2,279NFIP policies in force, any building
18,648insured units (condo association policies count every unit)
70%of home policies also cover contents
$56,000median contents coverage, when bought

One year on: ZIP code 33009

Policies in force on August 31, 2026 compared with a year earlier. Nationwide, practically all policies in both years carry FEMA's Risk Rating 2.0 occupancy codes, so both years use the same pricing system. The policies are not the same: some were new, some lapsed.

Aug 31, 2025Aug 31, 2026Change
Home policies in force1,8051,754−2.8%
Median annual cost$817$880+7.7%
Average annual cost$865$915+5.8%
All policies in force (any building)2,3332,279−2.3%

Flood claims history

Since 1978, NFIP policyholders in ZIP 33009 have filed 2,035 flood claims. 1,490 received a payment, for a total of $67.2 million (an average of $45,103 per paid claim). The year with the most claims was 2000 (407 claims). Amounts are in dollars of the time, not adjusted for inflation.

02004006008001979: 13 claims19801981: 13 claims1983: 13 claims19901991: 38 claims, 30 paid, $415,499 in total1992: 57 claims, 14 paid, $525,587 in total1994: 17 claims, 11 paid, $176,729 in total1995: 120 claims, 86 paid, $1,123,178 in total1998: 28 claims, 20 paid, $326,415 in total1999: 158 claims, 102 paid, $1,783,590 in total2000: 407 claims, 355 paid, $7,587,936 in total200020002002: 28 claims, 20 paid, $80,284 in total2003: 35 claims, 31 paid, $582,022 in total2005: 71 claims, 11 paid, $230,775 in total2009: 296 claims, 258 paid, $12,918,921 in total200920102013: 49 claims, 39 paid, $1,917,332 in total2015: 15 claims, 11 paid, $287,853 in total2017: 51 claims, 12 paid, $2,441,140 in total2019: 119 claims, 97 paid, $5,225,659 in total2020: 11 claims20202023: 135 claims, 104 paid, $8,152,456 in total2024: 261 claims, 232 paid, $22,812,843 in total2024
Flood claims per year of loss, 1978–2026. Years with fewer than 10 claims are left blank. Hover a bar for details.
All years with at least 10 claims (21)

Swipe the table sideways to see all columns.

Year of lossClaimsPaid claimsTotal paidAverage per paid claim
2024261232$22,812,843$98,331
2023135104$8,152,456$78,389
202011<10––
201911997$5,225,659$53,873
20175112$2,441,140$203,428
20151511$287,853$26,168
20134939$1,917,332$49,162
2009296258$12,918,921$50,073
20057111$230,775$20,980
20033531$582,022$18,775
20022820$80,284$4,014
2000407355$7,587,936$21,374
1999158102$1,783,590$17,486
19982820$326,415$16,321
199512086$1,123,178$13,060
19941711$176,729$16,066
19925714$525,587$37,542
19913830$415,499$13,850
198313<10––
198113<10––
197913<10––

From 2016 to 2026: 577 claims (counting only years with at least 10). 2026 is a partial year. Claims are counted where the insured property is; they include buildings and contents, homes and businesses.

NFIP communities in this ZIP code

Hallandale Beach (1,744 home policies). A ZIP code can cross city and county lines; each policy is counted once, in the ZIP code reported for the insured building.